Public Liability For Small Business
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Public Liability
... service team is on hand and on a mission to make you smile! Frequently Asked Questions on Public Liability Insurance Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for ...
read moreHow much does Public Liability Insurance Cost?
... the insurance provider you choose. We have put together a snapshot of how much Public Liability insurance can cost for a small business, by analysing data from policies sold by BizCover during the 2018/19 financial year ...
read morePublic Liability Insurance In Perth
... P ublic L iability insurance cost for Perth businesses? On average, small businesses in Perth pay $33.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types ...
read morePublic Liability Insurance In Mandurah
... P ublic L iability insurance cost for Mandurah businesses? On average, small businesses in Mandurah pay $28 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types ...
read morePublic Liability Insurance In Hobart
... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...
read morePublic Liability Insurance In Darwin
... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...
read morePublic Liability Insurance In Brisbane
... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...
read morePublic Liability Insurance In Rockhampton
... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...
read morePublic Liability Insurance In Port Macquarie
... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...
read morePublic Liability Insurance In Adelaide
... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...
read morePublic Liability Insurance Explained
... or damaging something during the course of their operations. Chances are like many other small businesses, if you were faced with a public liability claim , the financial impact of pay ing the cla im and associated legal ...
read moreWhat does Public Liability Insurance cover?
... clients, suppliers or members of the public. As a small business owner, we understand that you like ... pocket . Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work ...
read moreHow much Public Liability insurance do I need?
... choose is ultimately up to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply ...
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... in your business. And with BizCover, protecting your small business is a no-dramas experience! Compare multiple quotes from selected leading Australian insurers for essential products like Public Liability , Professional ...
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... ), and could be enough to put a small business out of business! Related: Public Liability Insurance explained 2. Professional Indemnity Insurance If your business or profession involves providing a service or advice ...
read moreSmall Business Index July 2015
... the biggest drop in prices since the index started of 38% lower than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a drop in prices, falling only 20 points since FY 2012/13 ...
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... , and it can take just one small mistake to destroy your business in minutes. As Warren Buffet famously said ... Liability insurance can also offer a Public Relations component which will assist with protecting your business' ...
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... experienced from an insured interruption to your business. Some of the Business Insurance products that are often purchased by small businesses include Public Liability insurance , Professional Indemnity insurance, and a ...
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read moreCommon small business insurance claims and how to prevent them
... of spills, falls, theft and power surges. One Small Business recently had to make a claim to replace their ... broken freezer, investing in a backup generator. 5. Liability Claims Another common claim seen all too often is ...
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... , such as Hospitality, Manufacturing and Trade, lead the way. But the fact a third of small businesses don't have Public Liability insurance is still concerning. Also concerning is the fact that, while more than half (53 ...
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... run a hair salon, do general maintenance, or consult for big businesses, you are likely to encounter risks when running a small business. Public Liability insurance * is an essential type of insurance for sole traders . ...
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... when a business is setting up and establishing itself. If you rent your premises, public liability may ... insurance may be required Many small businesses think their business is too small to attract cyber criminals yet in ...
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... is another tool for securing your financial health. Policies, such as Public Liability and Professional Indemnity , help small businesses prepare for accidents and other unexpected events that can cripple their finances ...
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... their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance ... “SMEs face significant pressure when it comes to business related costs, and in a time where most other ...
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... service and is changing the way micro, small and medium sized businesses buy Professional Indemnity , Public Liability , Business Insurance , Management Liability and now Cyber Insurance . BizCover provides multiple ...
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... insurance policy might not cover all the liabilities related to your business. As an example most home and ... lower premium. To put this in perspective, a public liability policy for an SME working from home generally ...
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... again? HelloSign is an eSignature software for Small Businesses. The best part about HelloSign is that ... business against various risks. Whether it's a claim arising from a mishap with a client through Public Liability ...
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... there are certain risks and liabilities that many small businesses have in common that can be reduced by business insurance such as Professional Indemnity insurance * and Public Liability insurance . How you choose to ...
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... a small business : ... business insurance as a creative professional include if you are an artist out and about, protecting your portable equipment and tools, for others it may be a requirement to hold Public Liability ...
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... and Public Liability policy through BizCover. “My experience with BizCover was fantastic. Very quick and easy - extremely competitive pricewise.” Interested to see how David and Metattude can help your small business ...
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... small business owner , some which will involve a level of risk. One of the biggest risks your business may face is not having adequate business ... business insurance sorted Whether you are looking for a new Public Liability ...
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... insurance * is certainly a smart small business decision. Some of the Business Insurance products that are commonly purchased by small businesses include Public Liability insurance , Professional Indemnity insurance , ...
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read moreSmall Business Insurance Price Index Q3
... last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils and ...
read moreHow to hire quality tradesmen for your small business with Oneflare
... Public Liability Insurance This is the most common and essential form of insurance for tradespeople . It covers the business ... the eye. Get the right price As a small-to-medium business owner, you may have a very specific ...
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... not be responsible for. Your Public Liability insurance covers your reasonable legal costs, even if you are not found negligent. At BizCover we care about helping Australia's small businesses get protection. We deliver ...
read more5 questions to ask yourself before buying Insurance for your small business
... a summary of the key areas of cover available to businesses. Public Liability insurance Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member ...
read moreDoes Public Liability insurance cover employees?
... didn't, then you may have made some assumptions about what your Public Liability insurance covers. Some small business owners may believe that PL covers their employees if their injuries are caused by their work. However ...
read more5 tips for getting the best Public Liability insurance for your business
If you're a sole trader or small business owner, there's no doubt you're aware of the importance of protecting your business and your customers with Public Liability insurance . It offers protection should a customer, ...
read moreThe Risks of Growing Your Small Business
... thing. Seek out solid and trustworthy referrals from other business owners and be sure to do your own reference checks ... You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury ...
read morePublic Liability Insurance In Brisbane
... of covers to suit your needs Compare quotes from our trusted insurance partners: Small Business (Public Liability) Insurance in Brisbane If you're a small business owner in Brisbane or Queensland, and you are looking for ...
read morePublic Liability Insurance NSW
... or annually Compare quotes from our trusted insurance partners: What you need to know about Public Liability insurance* in NSW As a small business owner in New South Wales you already have a lot on your plate. There's ...
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... against accidents is a relatively simple process. Purchasing public liability insurance online, where quotes are instant and transparent, is a prudent choice for small business and one that can provide instant peace-of ...
read moreDo I Need Public Liability insurance?
... and protect your back pocket with Public Liability Insurance for your small business. Why Do I Need Public Liability insurance? Public Liability insurance may be essential for small businesses depending on the occupation ...
read morePublic Liability Insurance in QLD
... —consider cover to protect their businesses. Compare Public Liability insurance for QLD sole traders and small businesses today! How much does Public Liability cost in QLD? Small businesses in Queensland pay an average ...
read more5 Things to Consider When Buying Public Liability Insurance
... when arranging appropriate cover for your business? Not all Public Liability policies are the same and along ... know more? At BizCover we've been helping small businesses with their insurances for over a decade. Whether ...
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... 's included & what's not? Get the right cover FAQ's Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered ...
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... or annually Compare quotes from our trusted insurance partners: Here's the lowdown on NSW public liability insurance* As a small business owner in New South Wales you already have a lot to worry about. From paying ...
read moreLegal Requirement for Public Liability Insurance
... is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium sized businesses do take out this ...
read morePublic Liability vs. Professional Indemnity insurance: What’s the difference?
... costs and expert fees). Do I need Public Liability insurance? These are some examples of when a small business needs to consider protecting their business with Public Liability insurance. Occupations such as Consultants ...
read morePublic Liability Insurance WA
... or annually Compare quotes from our trusted insurance partners: Here's the lowdown on WA public liability insurance* As a small business owner in Western Australia you already have a lot on your plate. From paying your ...
read morePublic Liability Insurance QLD
... or annually Compare quotes from our trusted insurance partners: Here's the lowdown on QLD public liability insurance* As a small business owner in Queensland you already have a lot to worry about. From paying your ...
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... Types of Insurance Your Small Business Should Consider Public Liability insurance A fundamental type of insurance that most businesses (even home-based businesses) can consider is Public Liability insurance. Running your ...
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... a massive impact on your tradie business and it is something no small business owner wants to be faced ... is a common request for some tradie businesses to have their own Public Liability insurance sorted. If you are unsure ...
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... protect yourself from them with insurance. Public Liability insurance Public Liability insurance * is an essential form of cover for many types of small businesses. If your business involves interacting with clients, you ...
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... systems are vulnerable to breaches. By implementing a few basic preventative measures and robust Cyber Liability insurance , small business' are ensuring they are able to survive cyber-attacks, now and in the future ...
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... are a few small business practices that can bolster your defenses against liability exposures. 1. Regular ... understands this. Whether you’re looking for Public Liability , Professional Indemnity or other coverages, ...
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... the BizCover platform, where you can compare Cyber Liability insurance quotes and get covered instantly.” The bottom line Cybersecurity risk could severely affect any small business. It is the probability of an attack or ...
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... 000 COVID-19 related scams and over $700,000 in losses since the outbreak of the virus. Small businesses are not immune from cyber-crime and Cyber Liability insurance can be a wise choice when it comes to protecting your ...
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Public Liability insurance
Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.
Here’s the lowdown on Public Liability insurance*
As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?
As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.
What kind of businesses need Public Liability insurance?
In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.
An example of some of the typical types of businesses that may take a Public Liability insurance policy include:
- Trades
- Professionals
- Wholesalers
- Manufacturers
- Travel and tourism
- Office based
What is typically included?**
Compensation for:
- Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
- Compensation for damage to property owned by a third party due to your negligent business activities
- The legal and defence costs associated with a covered claim
- Compensation for damage of third-party goods not owned by you which are in your care, custody or control
What is typically not covered?*
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship or product recall
- Professional negligence
- Contractual liability
- Events occurring before or after the policy period
- Aircraft products
- Asbestos
- Liquidated damages
- Gradual pollution
- Punitive damages- where the insured acted so badly that extra damages were awarded
- Liabilities assumed under contract which the insured would not be liable for at common law
Get the right cover
Your Cover Options
With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.
Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.
When deciding on how much cover you should have a think about factors like:
- Do any of your contracts require a minimum level of public liability cover?
- Has your industry body set a minimum level of public liability cover for membership?
- Does your business or trade licence require a minimum amount of public liability cover?
- What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?
Why choose BizCover for your Public Liability insurance?
Built for small business
We know insurance and what makes small businesses tick
Clear and competitive pricing
You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.
Cover to match your needs
You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!
Real people adding real value
Our friendly service team is on hand and on a mission to make you smile!
Frequently Asked Questions on Public Liability Insurance
Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for Public Liability insurance through BizCover. Public Liability Insurance is one of the most common types of insurance for businesses.
When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:
- The type and nature of your business
- Your business turnover and size
- The amount of insurance cover your business needs
Additional factors that determine the cost of your Public Liability insurance policy include:
- The location of your business
- What is included and excluded in your policy
- The insurance provider you choose
The most accurate way to find out the cost for your business is to simply get an instant online quote.
| *We know, sometimes you just want a quick idea of how much your insurance is actually going to cost. However, it’s important to note that the data included within this article was sourced from BizCover’s Australia wide customer data for all “pay by the month” public liability policies purchased through BizCover during 2018/19 Financial Year and is intended as a guide only. It may not reflect pricing for your particular business as individual underwriting criteria will apply. Get a hassle-free quote for your business here. |
Public Liability insurance is designed to provide protection* for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
While it is not a legal requirement in Australia for most businesses, there are some situations where it may be mandatory for you to have you an active Public Liability policy before you can operate. For example, it may be a contractual requirement to have before you are allowed “on site”.
No matter how much care you may take, if your business interacts with clients, suppliers or members of the public, there is always the potential for a claim to occur.
You may need to consider Public Liability cover if any of the following apply to your business:
- You have customers, suppliers or members of the public who visit your business premises, e.g. diners who visit your cafe, or clients who visit your office, whether in a commercial building or home-based office
- You manufacture and/or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items
- Working at your client’s site, e.g. a tradesperson carrying out repairs or work in other people’s homes
- If your business hosts or participates in public events, like a stand at a tradeshow attended by members of the general public
One of the first things to consider when calculating which level of Public Liability insurance your business may need is to think about the risks your business faces and any industry or contractual requirements involved.
While it would be nice to be told the exact amount of cover you should have, the decision is ultimately up to you.
If you work with contracts, these commonly stipulate the minimum amount of Public Liability cover your business must hold to comply with the contract. Professional bodies and industry associations may also require members to maintain a minimum amount of Public Liability insurance to become a member or to meet licensing requirements.
Take the time to consider the amount of work that you perform and the appropriate amount of financial protection you would need in the event a Public Liability claim is made against you.
With BizCover there are three levels of cover (limits of liability) available to select: $5 million, $10 million or $20 million.
The appeal of having the freedom to be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks. Unlike working for a company, the reality is when things go wrong and a claim is made, you could be held responsible and it’s your back pocket that could be left financially destroyed.
An unplanned event could not only put your personal finances in havoc, but you could end up shutting up shop for good. Fortunately, with the right insurance in place, not only will you have a solid financial safeguard in place, but protection for your hard-earned reputation too.
Public Liability insurance is a popular type of insurance amongst sole traders. As a small business owner you have a legal responsibility to take the right steps to create a safe environment for third-parties when they interact with your business.
Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public become injured or sustain property damage as a result of your negligent business activities.
The short answer? No. Each type of insurance provides specific cover for very different kinds of business risks.
Business insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. It also offers the option of selecting public liability cover but that is not automatically included.
Public Liability* insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business .
If your business manufacturers or sells products you may also need to consider Product Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal injury caused by your products. It typically forms part of a Public Liability policy.
Public Liability insurance can be purchased as a stand alone product or as part of a Business insurance package.
One of the first steps you need to take in lodging a claim (or to report a circumstance which may lead to a claim) is to complete a claim form – please click here to download.
To assist with the processing of your claim and to avoid delays, please attach all the supporting documents you have, which may include original invoices, receipts, manuals, pictures, reports and replacement quotes.
Once you have completed the form, email it to: claims@bizcover.com.au and we’ll manage the process directly with the insurer.
Public Liability and Professional Indemnity insurance both offer different types of cover, for different kinds of risks your business may be exposed to.
Public Liability insurance is designed to provide coverage for legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity*.
This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice. Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).
If your business requires having clients visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider.